4 Million is not much.
In that case you may be best served to copy your character to the Tribble server buy the best gear possible for what you are trying to do, and if that doesn't work out, scrap it, recopy the toon and start over.
respec should be the last thing you do before committing to a build.
I flew weeks with my torpedo armitage before I was comfortable enough with it to put all my weight into torpedos and related skills.